Living in the Comoros: the ultimate expat guide

Entry to Comorian territory requires a visa for all foreign nationals. The process remains straightforward thanks to the visa on arrival system, but careful document preparation is essential to avoid entry denial.

Tourist visa on arrival

Most nationalities can obtain a tourist visa directly upon arrival at Prince Saïd Ibrahim International Airport in Moroni. This visa costs €30 (approximately 15,000 Comorian francs) and is issued immediately without prior formalities. It authorizes a 45-day single-entry stay. Payment must be made in cash only (euros, US dollars, or Comorian francs). Required documents include: a passport valid at least six months beyond the arrival date, a return ticket, proof of funds equivalent to €30 per day of stay, and accommodation address.

Business visa

For business travelers, the same conditions apply with additional supporting documents: an invitation from a Comorian company, proof of employment, and evidence of sufficient financial means. The business visa also allows an initial one-month stay and follows the same procedures as the tourist visa.

Converting to a long-stay visa

A standard visa can be converted locally into a one-year visa through Comorian immigration authorities. This process requires presenting valid grounds: a signed employment contract with a local company, a documented investment project, or a mission with an international organization. The cost is €240. This renewable visa forms the basis for long-term professional establishment in the Comoros.

Practical tips

Travelers arriving directly in Anjouan (particularly from Mayotte) must complete formalities at the local immigration office. It's essential to obtain medical evacuation insurance before departure, as local healthcare facilities are limited. Yellow fever vaccination is mandatory only for travelers from countries where the disease is endemic. Always bring cash for visa payment, as credit cards are not accepted at immigration.

Sources: France Diplomatie, French Embassy in the Comoros

The Comorian economy relies primarily on agriculture, fishing, and services. The formal job market remains limited, but opportunities exist for qualified expatriates in certain growth sectors and for entrepreneurs ready to invest in a developing territory.

The job market

With economic growth of 3.4% in 2024, the Comoros show encouraging momentum driven by the service sector. The average salary stands at around USD 133 per month (approximately USD 1,600 annually), reflecting the country's low level of economic development. Growth sectors for expatriates include tourism and hospitality (with ecotourism development), international cooperation (NGOs, development programs), export agriculture (vanilla, ylang-ylang, clove), fishing, and business services. Jobs for expatriates primarily concern management positions, specialized technicians, consultants, and project managers. French proficiency is a major asset, while Comorian and Arabic language skills are valuable additions.

Starting a business

The Agence Nationale pour la Promotion des Investissements (ANPI) centralizes business creation procedures in the Comoros. The government is committed to reforming the Investment Code and establishing a one-stop shop to simplify administrative procedures. The Comoros ranked 160th out of 190 countries in the World Bank's Doing Business 2020 report, highlighting persistent bureaucratic challenges. Investment opportunities focus on sustainable tourism, agro-industry (vanilla and ylang-ylang processing), fishing, and renewable energy. China, France, the United States, and South Africa are the main foreign investors. Procedures include registration with ANPI, obtaining sector-specific authorizations, and trade register registration.

Business taxation

The Comorian tax system includes 10% VAT (standard rate), with reduced rates for certain sectors: 3% for water supply, private school fees, and inter-island airfares; 5% for restaurants, banking services, and international transport; 7.5% for mobile telephony; 25% for casinos. Some basic necessities benefit from a zero rate. Corporate tax and other business taxes apply according to terms defined by the Comorian General Tax Code, which should be consulted for each specific project.

Key employment figures

Sources: World Bank, Journal du Net, ADOCC Agency

The Comorian tax system comprises several taxes applying to both residents and businesses. Understanding these mechanisms helps expatriates anticipate their obligations and optimize their tax situation.

Value Added Tax (VAT)

VAT is the main indirect tax in the Comoros. The standard rate is set at 10% and applies to most goods and services. Reduced rates exist to support certain sectors: 3% for water supply, private school fees, and inter-island airfares; 5% for restaurants, banking, and international transport; 7.5% for mobile telephony. A premium rate of 25% applies to casino activities. Certain basic necessities benefit from a zero rate.

Personal income tax

Tax residents in the Comoros are taxable on their worldwide income, while non-residents are only taxed on Comorian-source income. The taxation system follows a progressive scale with specific terms defined by the General Tax Code. Employees have their tax withheld at source by employers. It's advisable to consult a local accountant or the tax center in Moroni for updated information on tax brackets and applicable deductions.

Corporate tax

Companies established in the Comoros are subject to corporate tax according to rates and terms set by national tax legislation. Companies must declare their annual profits and meet their obligations within specified deadlines. Tax incentives may be granted to investors in certain priority sectors (tourism, renewable energy, agro-industry) under the Investment Code.

International tax treaties

The Comoros have signed tax treaties with certain countries to avoid double taxation. Expatriates should verify the existence and terms of such treaties to optimize their situation. In the absence of a treaty, the territoriality principle applies: income earned in the Comoros is taxable there, while foreign income may be taxed in the country of tax residence.

Practical advice

It's strongly recommended to engage a tax advisor or accountant familiar with the Comorian system upon arrival. Keep all income receipts and tax payment records. If you maintain income in your home country, also consult an advisor there to avoid any double taxation not covered by a treaty. The Directorate General of Taxation in Moroni can provide additional information on your specific tax obligations.

Sources: ADOCC Agency, Comoros General Tax Code

The Comorian healthcare system has limited capacity, particularly outside the capital. Thorough health preparation and appropriate international insurance are essential for any expatriate.

Local healthcare system

Medical infrastructure is insufficient across all three islands. Healthcare provision is inadequate in the capital Moroni and non-existent on the islands of Anjouan and Mohéli. System weakness means that most medical cases requiring hospitalization necessitate medical evacuation to better-equipped centers, generally to Réunion, sometimes to Mayotte or mainland France. Medicine shortages and overcrowding in healthcare facilities are recurring problems, especially during seasonal epidemics.

Health risks

The Comoros experience malaria and dengue epidemics, particularly after severe weather events. It's strongly recommended to bring curative medications such as artemether-lumefantrine (Coartem, Riamet) before departure. Mosquito protection is essential at all times: repellents, impregnated mosquito nets, long clothing in the evening. No vaccinations are mandatory for entry to the Comoros (except yellow fever for travelers from endemic areas), but it's recommended to be up to date with routine vaccinations: diphtheria-tetanus-polio, hepatitis A and B, typhoid, rabies (for extended rural stays).

International health insurance

It's imperative to obtain international health insurance including medical evacuation before departure. Verify that your policy covers overseas medical expenses, emergency hospitalization, medical transport, and evacuation to Réunion or France. Evacuation costs can reach tens of thousands of euros. Compare offerings from expatriate insurance specialists and choose a plan suited to your profile and length of stay.

Prevention tips

Consult your doctor or an international vaccination center several weeks before departure to assess your health status and receive appropriate recommendations. Also see your dentist to avoid emergencies on-site. Build a comprehensive personal medical kit including chronic treatments, essential medications, antimalarials, antidiarrheals, antiseptics, and first aid supplies. Never consume medications bought on the street due to counterfeit risks. Drink only bottled water and avoid ice cubes.

Sources: France Diplomatie

Educational options in the Comoros remain limited for expat families. Parents must address this crucial question before settling, as international options are scarce.

Local education system

Education in the Comoros is based on a school system modeled on the French system, a colonial legacy. Teaching is conducted in Comorian for younger students, then progressively in French through higher grades. High school education is conducted entirely in French. However, education quality suffers from infrastructure deficiencies, teaching material shortages, and a teaching staff that is sometimes poorly trained. Wealthy families traditionally send their children abroad for further studies, primarily to France.

International and alternative schools

The Comoros lack a developed network of international schools comparable to other expat destinations. A few private establishments offer better-quality education in Moroni, but without recognized international curriculum (IB, AEFE). Expat families often choose CNED (Centre National d'Enseignement à Distance) to ensure educational continuity following the French curriculum. This option requires significant parental involvement and a suitable home learning environment. Some expatriates prefer to enroll their children in Réunion or Mayotte, involving family separation or regular travel.

Quranic education

Quranic schools play an important role in the Comorian education system. Reformed Quranic education has been integrated into preschool under the designation enseignement coranique rénové, now reduced to two years. These structures primarily teach in Arabic and Comorian, with a strong Muslim religious component.

Recommendations

Before relocating to the Comoros with school-age children, carefully assess available educational options. Contact the French Embassy in Moroni for information on local French-speaking schools and CNED enrollment possibilities. Budget substantially if opting for schooling in Réunion or France (boarding fees, transport). Some employers offer a school allowance as part of the expat package; negotiate this during hiring. For young children, home childcare solutions can be arranged with local staff.

Sources: International Review of Education, Wikipedia - Comoros

The Comorian real estate market remains poorly structured, and housing options for expatriates are mainly concentrated in Moroni and major towns. On-site searching and local assistance greatly facilitate the process.

Available housing types

Expatriates can choose from different housing options depending on budget and needs. Villas with gardens represent the most sought-after option for families, offering space and privacy. These properties are mainly found in Moroni's residential neighborhoods and near beaches. Apartments in buildings exist in the capital but remain limited in number and quality. Many expatriates working for NGOs or international organizations receive employer-provided housing. Finally, renovated traditional houses can be an authentic option for those wishing to immerse themselves in local culture.

Popular neighborhoods

Moroni, the capital on Grande Comore, concentrates most of the expat community. Residential neighborhoods offering good security and comfort are sought after, especially those near the sea or with private generators (power cuts being frequent). In Mutsamudu (Anjouan) and Fomboni (Mohéli), expat options are even more limited, with mainly individual houses or employer-provided housing.

Rents and costs

Rents in Moroni vary considerably depending on property standard and location. A comfortable villa with generator, air conditioning, in a residential neighborhood can cost between €800 and €1,500 per month. More modest apartments rent for €300 to €600 monthly. These rates rarely include utilities (water, electricity), which must be budgeted separately. Internet connection remains expensive and variable quality. Many landlords require several months' deposit and a substantial advance payment.

Finding accommodation and rental contracts

The rental market operates primarily through word of mouth and local contacts. No reliable online platform exists for housing searches. Engage your employer, colleagues already on-site, or a local real estate agent for assistance. Always visit multiple properties before deciding and check facility condition (plumbing, electricity, door and window security). Ensure availability of a generator or solar panels to compensate for power cuts. The rental contract should specify duration, rent and utility amounts, termination conditions, and respective responsibilities of tenant and landlord. Engage a local lawyer to secure the transaction.

Property purchase

Property acquisition by foreigners is possible in the Comoros but requires thorough knowledge of local land law and assistance from a specialized notary or lawyer. Property titles can be complex to verify. Many plots fall under customary law and their legal status can be confusing. Before any investment, conduct meticulous cadastral checks and ensure complete transaction legality.

Relocating to the Comoros requires meticulous preparation due to geographical remoteness and limited infrastructure. Anticipating each step facilitates your settlement and avoids inconveniences once on-site.

Pre-departure checklist

1. Administrative documents: Gather all official documents in multiple certified copies (passports, birth certificates, family documents, diplomas, international driving license). Scan and keep secure digital copies in cloud storage.
2. Health and vaccinations: Consult an international vaccination center at least two months before departure. Build a comprehensive medical kit and verify your medical evacuation insurance validity.
3. Finances: Notify your bank of your departure and check conditions for using your cards abroad. Bring cash in euros for your first weeks. Research local bank account opening possibilities.
4. Housing: Ideally, make a reconnaissance trip before your final move to visit properties and choose your neighborhood. If impossible, get assistance from your employer or a local contact.
5. Children's schooling: Enroll children in CNED if choosing distance learning, or contact Moroni private schools several months in advance for enrollment procedures.
6. Personal belongings: Sea freight takes several weeks. Ship boxes through an international moving company experienced in the Indian Ocean region. Keep valuables, medications, and essential documents in carry-on luggage.
7. Vehicle: Used vehicle imports are only authorized if less than five years old. Favor diesel vehicles due to recurring gasoline shortages. Local purchase through dealers or from UAE may prove simpler.
8. Appliances and equipment: Bring electronic equipment (computer, phone, adapters), basic appliances, and any specific items unavailable locally. Include power adapters (European format).
9. Connectivity: Research local mobile operators (Telma) and internet providers to anticipate professional and personal connectivity needs.

Arrival and first weeks

Upon arrival at Moroni airport, complete visa formalities then head to your temporary or permanent accommodation. In the first days, focus on opening a local bank account, obtaining a phone line, and settling into your housing. Get accompanied by a colleague or local contact to facilitate these often complex administrative procedures. Register with the consular registry at the French consulate in Moroni to access consular services and receive security information.

Daily adaptation

Settling in the Comoros involves adapting to a different pace of life, frequent power cuts, and limited goods and services. Plan for solar lamps and power banks for your devices. Build up stock of basic products (food and hygiene) to cope with supply shortages. Respect local dress codes, particularly for women in this Muslim-majority country. Finally, take time to build connections with both expat and local communities: attend cultural events, join expat groups, and show openness to cross-cultural exchanges.

Sources: French Embassy in the Comoros

The Comoros offer a rich array of activities for nature lovers, divers, and cultural explorers. The archipelago captivates with its authenticity and diverse landscapes between sea and mountains.

Diving and marine discoveries

Comorian waters are a paradise for divers. Mohéli Marine Park, the archipelago's first protected marine area, hosts impressive biodiversity with multicolored coral reefs, sea turtles (nesting sites), and an exceptional variety of tropical fish. The Masiwa wreck, an 80-meter cargo ship, offers spectacular diving. The Comoros are also one of the few places in the world where you can still observe the coelacanth, this prehistoric fish considered a living fossil. Dive centers in Moroni and Mohéli offer trips for all levels.

Hiking and volcanoes

Mount Karthala, located on Grande Comore, is one of the world's largest active volcanic craters. The ascent represents a demanding physical challenge but offers extraordinary reward: breathtaking views of the smoking crater and Indian Ocean. Plan for overnight camping at the summit and equip accordingly (warm clothing, lamps, food). On Anjouan, lush mountains and tree ferns invite hikes through dense vegetation populated by Livingstone's fruit bats, an endemic bat species. Local guides can accompany you to discover hidden waterfalls and traditional villages.

Beaches and relaxation

Comorian beaches captivate with their preserved beauty and tranquility. Trou du Prophète, Grande Comore's emblematic site, offers a spectacular cove with cliffs plunging into turquoise waters. According to legend, the Prophet Muhammad set foot there during his visit to the archipelago. Anjouan and Mohéli's beaches, lined with coconut palms, invite swimming and relaxation. The Nioumachoua islets, in Mohéli Marine Park, are peaceful havens accessible by traditional pirogue.

Culture and heritage

The Moroni medina deserves a visit to discover its traditional architecture and lively alleys. The Friday Mosque, with its white minaret visible from afar, symbolizes Islam's importance in Comorian society. In Mutsamudu (Anjouan), the citadel overlooking the city testifies to the archipelago's sultanic history. Local markets, notably Moroni central market, offer immersion in daily life: spices, exotic fruits, colorful fabrics (salouva, chiromanie), and local crafts. Attend traditional celebrations like grand weddings ("Anda"), sumptuous ceremonies that punctuate Comorian social life.

Events and activities

The Office National du Tourisme des Comores regularly organizes cultural and sports events. Ecotourism initiatives are developing, notably community tourism projects allowing stays with locals and participation in agricultural activities (vanilla harvest, ylang-ylang distillation). Sport fishing also attracts enthusiasts, as Comorian waters are rich in marlins, tunas, and dorados. For evenings, options remain limited outside a few restaurants and bars in Moroni. Social life often revolves around the expat community and private invitations.

Sources: Comoros National Tourism Office, Vanilla Islands, Figaro Nautisme

The cost of living in the Comoros varies considerably depending on lifestyle adopted and degree of product importation. Local goods remain affordable, while imported products incur significant markups due to taxes and transport costs.

Indicative monthly budget

The estimates below are provided for guidance to give prospective expatriates an order of magnitude. Prices may fluctuate due to frequent supply shortages and rising global food prices.

Single person

Family of four

Breakdown by expense category

Food: Fruits, vegetables, fresh fish, and meat available at local markets are affordable. However, imported products (cheeses, cured meats, European canned goods, wines) incur significant markups. Stock shortages are frequent for certain items. Restaurants: A meal in a local restaurant costs between €5 and €10, while dinner at an expat establishment can reach €20-30 per person. Transport: Taxis and minibuses remain inexpensive for daily travel. Fuel experiences recurring shortages and fluctuating prices. Internet connection: Connection remains expensive and variable quality, a sensitive point for expatriates working remotely.

Budget management tips

Favor local food available at markets to reduce expenses. Build up stocks of basic products during trips to Réunion or Mayotte. Negotiate your expat package to include housing, vehicle, and school allowance. Plan for a safety margin to cope with unexpected costs and price fluctuations linked to supply shortages. Opening a local bank account facilitates daily management but can prove complex.

Sources: estimates based on expat community discussions and data available for 2024-2025. Prices are provided for guidance and may vary significantly depending on periods and purchase locations.